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What Florida Policyholders Should Know about Maximizing Insurance Claims

If your Florida property has been damaged and you're involved in an insurance claim, maximizing the claim is likely the last thing on your mind. After all, the event is traumatic and the process overwhelming. You're just happy you're insured. However, being insured isn't necessarily enough. You also have to be vigilant in making sure that all of your losses are accounted for and well documented. Not only that, you have to make sure that all repair and replacement estimates are accurate and sufficient for recovering from the loss. You also have to understand your insurance policy and what you're entitled to recover under it.

Maximizing an insurance claim isn't about being greedy and milking your policy for all its worth; it's about making sure you receive everything that you're entitled to receive under your policy and that all of your losses are adequately compensated under the terms of your policy. While it would be nice if this happened automatically, the more complex the claim, the more likely it is that something will be overlooked. By being vigilant and proactive, you can make sure that everything you're entitled to is discovered, documented, and properly estimated which results in a fair final settlement.

Whenever an insurance claim is filed, the burden of proof lies on the policyholder, not the insurance company, so your job starts immediately. You must prove your losses before an insurance company will compensate you for them. In order to maximize your claim, every single bit of damage must be found and documented. But this alone isn't enough. You must also estimate the replacement or rebuilding costs accurately. A public insurance adjuster is invaluable during this early stage of the process.

From there, discrepancies between your estimates and the insurance company's estimates may appear requiring negotiations. Again, the service of a public adjuster proves itself to be invaluable.

Many insurance companies prefer working on claims that are being handled by public adjusters because of the thoroughness and accuracy of the claim. Not only can public adjusters help you maximize your settlement, their attention to detail and insider knowledge can pave the way to a smoother overall claims process.